Two Rivers, WI · Charter 66447
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
67
Profitability
41
Liquidity
17
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Two Rivers, WI · Charter 66447
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.70% | 3.98% | 3.02% | 0.59% | 0.55% | -515 bps | |
| Return on Equity | 52.62% | 37.13% | 28.78% | 5.63% | 5.42% | -4,719 bps | |
| Net Interest Margin | 3.59% | 3.62% | 3.63% | 3.71% | 3.65% | +6 bps | |
| Efficiency Ratio | 41.40% | 49.75% | 56.73% | 87.22% | 88.78% | +4,738 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.49% | 14.30% | 17.38% | 9.96% | 13.24% | +275 bps | |
| Loan Growth (YoY) | 11.17% | 17.39% | 18.92% | 18.18% | 7.45% | -373 bps | |
| Share Growth (YoY) | 2.87% | 4.09% | 4.21% | 8.71% | 14.82% | +1,195 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.82% | 0.88% | 0.44% | 0.38% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 10.71% | 10.48% | 10.47% | 10.12% | -71 bps | |
| Net Worth / Assets | 10.84% | 10.71% | 10.48% | 10.47% | 10.12% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.19% | 97.58% | 98.65% | 93.84% | 88.14% | -605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Two Rivers, WI · Charter 66447 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.55%
Rank 1,074 of 1,683
Net Interest Margin
3.65%
Rank 993 of 1,683
Efficiency Ratio
88.79%
Rank 1,335 of 1,682
Equity / Assets
10.12%
Rank 1,318 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,074 / 1,683 | |
| Return on Equity | 5.42% | 2.67% | 5.89% | 8.74% | Beats 46% | 910 / 1,681 | |
| Net Interest Margin | 3.65% | 3.31% | 3.82% | 4.32% | Beats 41% | 993 / 1,683 | |
| Efficiency Ratio | 88.79% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,335 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.26% | 0.65% | 1.29% | Beats 67% | 551 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,318 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,318 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.14% | 52.61% | 69.38% | 83.50% | 83rd pctl | 281 / 1,683 | |
| Loans / Assets | 71.44% | 44.71% | 59.18% | 70.72% | 76th pctl | 397 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||